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A comprehensive insurance policy is an extensive car insurance policy that covers the insured person against both, third party liabilities and own damages. That is why it is also called ‘own damage’ or a ‘other than collision’ car insurance because it also protects you financially against losses that might appear not due to collision.

A car insurance policy is usually valid for a period of one year and has to be renewed before the due date. All you have to do is pay the premiums on time. Generally, most insurance companies offer a grace period for paying the premium at the end of the one-year period.

Tired of filling forms for availing car insurance? Wouldn’t it be so convenient if you can simply buy or renew third party car insurance online? Lucky you. Just like so many other products and services available online, so is the case with car insurance.

Improve your credit score: As a good credit score is the base of availing banking benefits, it is better to ensure that you have a good credit score. Always pay your dues on time. And don’t go beyond your credit limits, as this hurts your credit score.

If you have survived your life insurance policy tenure and have paid your premiums on time then you are entitled to receive a maturity benefit. However, note that not all life plans offer maturity benefits. Most term plans do not have any maturity benefits. 

Mudra is a subsidiary of SIDBI. It provides refinancing facilities to banks and MFIs against the loans which have been provided to MSMEs in order to promote their development. Mudra scheme was curated with the main aim to fund small businesses and entrepreneurs and to protect them from exploitation at the hands of informal lenders.

Car insurance is generally for a year but, in some cases it is available for a couple of years at one go. There is no provision to pay the premium on car insurance in instalments. The Insurance Act, 1938, governs the payment of premium on car insurance.

Yes, it is possible to get your unused money as a refund from the car insurance premium. But it will solely depend upon the circumstances under which your policy is cancelled. Most of the companies may refund your balance money if you cancel the policy before its end tenure. The exact amount refunded depends on your insurance company’s policies. 

Sometimes we overspend on a credit card since we do not see actual money changing hands, nor get a sense of our bank balance coming down. This is one of the drawbacks of dealing with virtual money and credit. So, what do you do when you have spent more than what you can pay and not feel trapped in the credit card debt cycle

Generally, when a borrower fails to pay his/her credit card bill or loan EMI on time, it’s classified as a default and attracts late payment fees and other penalties. On the other hand, there are no late penalties during the moratorium period. The moratorium period can be thought of as a temporary relief from loan payments. 

The National Health Agency (NHA) which is the apex body implementing the scheme announced the launch of Ayushman Bharat scheme. For user friendly purposes, it has a  website and a helpline number to help prospective beneficiaries check if their name is there on the final list of the Ayushman Bharat scheme. 

To register for the PM Kisan scheme, farmers have to approach the local revenue officer (patwari) or a nodal officer (nominated by the state government). Farmers can also visit their assigned Common Service Centres (CSCs) for registration for the scheme upon payment of fees.

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) offers benefits to nearly 50 crore people in India and is the world's largest government sponsored healthcare program. The program is a poverty alleviation programme as its users are people with low income in India providing them with health coverage through a health insurance scheme which offers a cover of Rs. 5 lakhs per family.

If you are eligible for the PMJAY scheme, you can apply and get the PMJAY card online. This card can be used as proof to avail healthcare benefits in the future. This card is issued after verifying the identity of the beneficiary at the PMJAY center. This is done with the help of  identification documents such as a ration card or an Aadhaar card.

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)  is a programme which was introduced by the Government of India to provide access to free healthcare for nearly 40% of people in the country. It ensures that the lower sections of the society, the poor and vulnerable population get proper health cover.

Opting for health care is a wise decision especially with the rising costs of medical care. Advancements in medical technology, steep rise in lifestyle diseases are some of the reasons why it has become difficult to handle the cost of medical care out of pocket.

Life insurance is a benefit in itself. Here are some most common and popular overall benefits of owning a life insurance policy.

Permanent life insurance is also popularly known as whole life insurance plan. As the name implies, a permanent life plan remains valid throughout the insured’s whole lifetime, provided the premiums are paid on time. 

Health insurance is one among the essentials required in today’s world. It also plays a key role in financial planning. Health insurances are beneficial as they have proven to be a major help during medical emergencies. But still there are some people who consider health insurance is either too expensive or unnecessary.

There are a variety of good and affordable health insurance plans in India. As of the current year 2020, we have narrowed the list of cheap health insurance policies in the country.

Generally an individual can borrow upto 85-90% of the sum assured in a traditional life insurance policy with guaranteed returns. However, note that not all life insurance policies offer loan facilities. Generally, life insurance plans like ULIPs where the returns are market-based do not offer loans.

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